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@ratan Yes. If you can't get the increase of the LoC, then see if you can get a different balance transfer card for the RBC balance or if scotia will extend the balance transfer benefit to you for the RBC balance again. Now bear in mind that at 2%, you're going to be paying an additional...

@ratan Well that's honest and a good thing to do. Please retain at least the 1k in your chqing acct. and treat it as the new 0.00 balance. Think of it as an overdraft for NSF cheques and a month of rent, should you lose your position. Now, as to your options/plans, you have 28 months of debt...

@ratan Your budget is a lie. Stop lying, at least to yourself. There's no way you racked up 28k in debt running a 1k per month surplus budget.